Affinity Plus Federal Credit Union

In the vibrant Rochester community, Affinity Plus at 3482 55th St NW is your friendly neighborhood credit union dedicated to helping you reach your financial goals. Whether you're in the market for some of the best auto loans or looking to secure low mortgage rates to buy or refinance your home, this branch offers personalized solutions designed to fit your lifestyle. With convenient lobby and drive-thru hours Monday through Friday from 9 a.m. to 5:30 p.m., plus Saturdays until 1 p.m., managing your finances has never been easier.
Affinity Plus Rochester provides a full suite of services including personal checking and savings accounts, credit cards with rewarding perks, business banking options like merchant services and business loans, as well as easy access to cash through their on-site ATM and drive-thru banking. Backed by a strong parent credit union serving over 273,000 members with more than $4.2 billion in assets, you can trust Affinity Plus for reliable financial strength combined with local service.
Ready to explore competitive vehicle financing or find mortgage solutions tailored just for you? Visit Affinity Plus Rochester today at 3482 55th St NW or call 507-285-0352 to discover how community-focused banking can empower your financial future!

Type of Loan Offerings

home_equity_loans

Home Equity Loans

Program Name
Loan Type
APR
Term
Max Amount
CLTV
Link
Home Equity
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Solar Loan
5-Year Fixed-Rate
5.49 % - 5.898 %
5 Yrs
$45,000
80 %
Home Equity
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Solar Loan
10-Year Fixed-Rate
5.74 % - 5.957 %
10 Yrs
$45,000
80 %
Home Equity
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Solar Loan
15-Year Fixed-Rate
6.24 % - 6.395 %
15 Yrs
$45,000
80 %
Home Equity Line of Credit (HELOC)
Variable-Rate
6.75 % - 6.971 %
10 Yrs
$100,000
90 %
Home Improvement
5-Year Fixed-Rate
7.24 % - 7.655 %
5 Yrs
$70,000
Home Improvement
8-Year Fixed-Rate
7.74 % - 8.013 %
8 Yrs
$70,000
Home Improvement
10-Year Fixed-Rate
8.24 % - 8.468 %
10 Yrs
$70,000
mortgage_loans

Mortgage Loans

Loan Type
Product Type
Program Type
Rate
APR
Points
Term
Link
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
FIXED
8-Year Fixed-Rate, Conventional
5.5 %
5.868 %
8.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
10-Year Fixed-Rate, Conventional
5.625 %
5.926 %
10.0 Yrs
CONVENTIONAL
FIXED
12-Year Fixed-Rate, Conventional
5.75 %
6.008 %
12.0 Yrs
CONVENTIONAL
FIXED
15-Year Fixed-Rate, Conventional
6.0 %
6.215 %
15.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
CONVENTIONAL
ADJUSTABLE
5/6m ARM Adjustable-Rate, Conventional
5.375 %
5.498 %
5.0 Yrs
CONVENTIONAL
ADJUSTABLE
7/6m ARM Adjustable-Rate, Conventional
5.625 %
5.75 %
7.0 Yrs
CONVENTIONAL
FIXED
20-Year Fixed-Rate, Conventional
6.25 %
6.422 %
20.0 Yrs
CONVENTIONAL
FIXED
30-Year Fixed-Rate, Conventional
6.625 %
6.758 %
30.0 Yrs
CONVENTIONAL
FIXED
30-Year 97% Purchase Fixed-Rate, Conventional
6.875 %
7.01 %
30.0 Yrs
JUMBO
FIXED
30-Year Jumbo Fixed-Rate
6.625 %
6.685 %
30.0 Yrs
VA
FIXED
15-Year VA Fixed-Rate, Conventional
6.125 %
6.227 %
15.0 Yrs
VA
FIXED
20-Year VA Fixed-Rate, Conventional
7.0 %
7.084 %
20.0 Yrs
VA
FIXED
30-Year VA Fixed-Rate, Conventional
7.125 %
7.19 %
30.0 Yrs
personal_loans

Personal Loans

Program Name
APR
Term
Amount
Link
Credit builder loan
6 %
0.5 - 1.5 Yrs
$1,000
Solar loan
8.24 - 9.74 %
5 - 15 Yrs
$20,000
Bicycle loan
8.49 - 8.99 %
1 - 3 Yrs
Homeowner personal loan
9.99 - 10.99 %
6 Yrs
$20,000
Holiday loan
10.24 %
0.8 Yrs
$2,500
Homeowner debt consolidation
10.74 %
5 Yrs
$20,000
Personal unsecured
11.24 - 12.24 %
3 - 5 Yrs
Personal line of credit
14.99 %
10 Yrs
student_loans

Student Loans

Program Name
APR
Term
Link
Student Loan Refinance
6.24 % - 7.24 %
5 Yrs - 15 Yrs
Student Loan Refinance
8 % - 9 %
5 Yrs - 15 Yrs
vehicle_loans

Vehicle Loans

Loan Program
Loan Type
APR
Term
Link
Auto
NEW AUTO (2024–2025)
4.74 %
3 Yrs
Auto
NEW AUTO (2024–2025)
4.74 %
4 Yrs
Auto
NEW AUTO (2024–2025)
4.99 %
5 Yrs
Auto
NEW AUTO (2024–2025)
5.24 %
6 Yrs
Auto
NEW AUTO (2024–2025)
5.74 %
7 Yrs

Introduction

At Affinity Plus, we believe in the power of community and the strength of shared values. Nestled in the heart of Rochester, MN, at 3482 55Th St NW, our branch has been a trusted financial partner since 1934. With a commitment to serving our 273,913 members, we take pride in being more than just a financial institution; we are your neighbors, dedicated to supporting your financial journey. While members can visit us at our branch location, official correspondence should be sent to 3482 55th St NW, Rochester, MN 55901-0123. We understand that each member's needs are unique, which is why we offer a variety of services tailored just for you from checking and savings accounts to auto loans and mortgages. With total assets exceeding $4.2 billion and total deposits of $305.5 million, Affinity Plus stands strong as a pillar of financial stability. Our net worth currently sits at an impressive $373.8 million, ensuring that your money is safe and sound with us. We're proud to report that we manage over 208,512 loans and leases, helping our members realize their dreams every day. Under the leadership of CEO Dave Larson and Board President Robyn Cousin, our team of 608 employees is here to assist you with personalized service. Whether you're looking for help with personal loans or business banking solutions, we have the expertise and resources to guide you along the way. Your financial well-being is our priority, which is why we also offer online and mobile banking options for your convenience. We invite you to explore all that we have to offer by visiting our website at Affinity Plus. Feel free to reach out by calling us at 507-285-0352. We look forward to welcoming you into the Affinity Plus family!

Branch History & Mission

Welcome to Affinity Plus in Rochester, MN! Since opening our doors in 1934, we've proudly served our community with a commitment to financial empowerment and support. Our branch is located at 3482 55th St NW, right in the heart of Rochester, making it easy for members to access our services. With a legacy that spans over eight decades, we have grown alongside our members, adapting to their needs and aspirations. Over the years, Affinity Plus has evolved significantly. From humble beginnings, we now boast a total membership of 273,913 and total assets exceeding $4.2 billion. This growth reflects our dedication to providing valuable financial services while fostering strong community ties. We are not just a credit union; we are a part of your everyday life. At Affinity Plus, our mission is clear: to help our members achieve their financial goals while enhancing the quality of life in our communities. We believe that financial wellness goes hand-in-hand with community support. That's why we prioritize not only personal banking solutions like checking and savings accounts, auto loans, and mortgages but also initiatives that uplift those around us. We strive to create lasting partnerships that strengthen the fabric of Rochester and beyond. Our commitment extends into the digital age as well. We offer a range of online and mobile banking options for convenience and accessibility. Whether you need to check your balance on-the-go or make payments from home, we have you covered with secure services that meet ADA compliance standards. While members can visit us at 3482 55th St NW for all their banking needs, official correspondence should be sent to our mailing address: 3482 55th St NW, Rochester, MN 55901-0123. We also recognize the importance of being there for our members when they need us most. That's why we offer drive-thru banking for quick transactions and ATM access for cash withdrawals anytime you need it. We invite you to join us at Affinity Plus experience firsthand how we can support your financial journey while making a positive impact in our community. Call us today at (507) 285-0352 or visit our website to learn more about becoming a member and enjoying the benefits that come with it!

Branch Location & Accessibility

Welcome to Affinity Plus, your friendly neighborhood credit union located at 3482 55Th St NW in beautiful Rochester, MN. Situated in Olmsted County, our branch is easily accessible and conveniently positioned near popular local spots, making it a breeze for you to stop by for your banking needs. While members can visit us at our branch address, official correspondence should be sent to 3482 55th St NW, Rochester, MN 55901-0123. Our location offers plenty of parking and is designed with accessibility in mind, featuring ADA-compliant ramps and pathways to ensure that everyone can access our services without any hassle. At Affinity Plus, we understand the importance of convenience. That's why we offer a variety of banking services right here in your community. Whether you're looking for personal banking options like checking and savings accounts or need assistance with auto loans and mortgages, we've got you covered. Plus, if you're on the go, take advantage of our ATM services available at this location. Our friendly staff is here to serve you from Monday through Friday, with lobby hours from 9 AM to 5:30 PM. On Saturdays, our drive-thru service operates from 9 AM to 1 PM. We also provide basic drive-thru banking for deposits, withdrawals, and simple transactions making it easier than ever to manage your finances. If you have any questions or need assistance before visiting us, feel free to give us a call at 507-285-0352. We look forward to welcoming you into the Affinity Plus family! Come by and discover how we can help you achieve your financial goals today!

Member Eligibility

Becoming a member of Affinity Plus is like joining a welcoming family where your financial well-being matters. If you live, work, or attend school in the communities we serve, you're already on your way to enjoying all the benefits we offer. We embrace individuals from various walks of life, so whether you're just starting out or looking for a trusted partner for your financial journey, you'll find a home here. To learn more about our eligibility criteria, check out our detailed page at http://www.affinityplus.org/membership/become-a-member. Joining Affinity Plus opens doors to a range of financial services tailored just for you think personal banking, auto loans, and more! The process is simple; just give us a call at (507) 285-0352 or visit us at our branch located at 3482 55Th St Nw Rochester Mn 55901 to get started. We can't wait to welcome you into our community!

Business Banking & Commercial Services

Merchant Services That Matter

In addition to loans, our merchant services make transactions easier for your business. Imagine processing payments quickly while keeping your customers happy. Our solutions help streamline sales so that you can focus on what you do best running your business. Visit us at 3482 55Th St Nw Rochester Mn 55901 in Rochester, MN, or call us at (507) 285-0352 to learn how we can partner with you for success!

Tailored Loan Options

Our commitment to supporting businesses is evident, with investments in business growth through our commercial lending programs: - We've funded over $450 in commercial loans for our members, helping businesses scale and succeed. - We also support the broader business community with $6 in non-member commercial loans, providing flexible financing solutions. - With an outstanding commercial loan portfolio of $66,167,419, we continue to drive economic growth by financing new and expanding businesses.

Comprehensive List Of Services

Business Banking Solutions

If you're a business owner, you'll appreciate our business banking services, including merchant services and business loans tailored to help you grow. We understand the importance of having reliable financial support for your business's success.

Convenient Access Anytime

We know how busy life can be, so we provide various ways for you to access your accounts easily. With our online and mobile banking, managing your finances is just a click away. Need cash? Our ATMs are available for quick withdrawals and balance checks whenever you're on the go.

Drive-Thru & ATM Services

For those times when you prefer face-to-face interactions but are short on time, our basic drive-thru banking allows for deposits, withdrawals, and simple transactions without stepping inside the branch. Plus, with our ATM access, getting cash has never been more convenient. At Affinity Plus in Rochester, we pride ourselves on being more than just a financial institution; we're part of your community. Our team is ready to assist you with any questions or services you may need just give us a call at 507-285-0352 or visit us during our operating hours: Monday through Friday from 9 AM to 5:30 PM and Saturday from 9 AM to 1 PM. Ready to take control of your finances? Explore what we offer by visiting our website today!

Financing Your Dreams

When it comes to financing, we've got you covered with competitive auto loans and vehicle financing options. Picture yourself driving off in a new car, confident that you've secured the best rates available. If you're dreaming of homeownership, our mortgage loans and refinancing services will help make that dream a reality while potentially saving you money over time.

Managing Debt Wisely

Sometimes life throws challenges your way, and that's where our personal loans and debt consolidation options come in handy. Whether you need extra cash for an unexpected expense or want to simplify your bills into one easy payment, we're here to help find the right solution for you.

Personal Banking Made Simple

Managing your money shouldn't be complicated. At Affinity Plus, we offer checking and savings accounts designed for convenience and growth. Imagine being able to easily access your funds online or through our mobile app whenever you need them. Our digital banking features let you handle everything from bill payments to fund transfers without ever leaving home.

Rewarding Credit Card Options

For those who love rewards, our credit cards with rewards offer great benefits that fit into your lifestyle. Use them for everyday purchases and watch as points add up toward exciting rewards.

Digital & Online Banking

Convenient Access Anytime, Anywhere

With 24/7 online banking services available at https://www.affinityplus.org, you can check balances, pay bills, and transfer funds with just a few clicks. Our user-friendly interface ensures that even those who aren't tech-savvy can navigate their accounts easily. Plus, you can sign documents quickly and securely with electronic signature authorization, eliminating the need for paper forms and in-person visits.

Experience Security You Can Trust

Your security is our top priority. Our online banking platform employs advanced security measures to protect your personal information while providing real-time account management. You can bank confidently knowing that your details are safe. At Affinity Plus, we strive to provide accessible, convenient, and secure banking solutions tailored just for you. Join us today and explore how our digital services can enhance your banking experience!

Mobile Banking Made Easy

Our mobile application brings banking right to your fingertips. With features like mobile payments, you can pay for purchases quickly without reaching for your wallet. You can also send money to friends or family with ease using our person-to-person transfer option perfect for splitting bills or sending gifts.

Stay Informed with E-Statements

Say goodbye to cluttered mailboxes! We offer e-statements that allow you to view your account statements online whenever you need them. This not only helps keep your financial records organized but also enhances security by reducing the risk of lost or stolen documents.

Financial Strength

At Affinity Plus, financial security is not just a goal it's a promise. Our members count on us for stability, and we take that responsibility seriously. We understand how important it is for you to trust in the financial institution that serves your needs. That's why we are proud to share insights into our robust financial health, which you can rely on as we navigate both good times and challenges together. With a net worth of $373,830,407, we maintain strong financial health, allowing us to offer better rates, lower fees, and enhanced member services. Our net worth ratio of $881 demonstrates a solid capital foundation, ensuring that we can continue providing loans, competitive savings rates, and uninterrupted services even in uncertain economic times. Members' savings are secured through $818,082,743 in share certificates and $949,625,409 in money market shares, offering stable and rewarding financial growth opportunities. Unlike traditional banks, we prioritize our members. With non-member deposits at $23,813,289, we ensure that our resources are focused on benefiting you through better loan rates, lower fees, and exclusive perks. With $345,949,658 in undivided earnings, we reinvest in innovative banking tools, stronger lending options, and enhanced security measures to serve our members better. Our lending capacity is substantial; with $53,938 in used auto loans and $3,625,652,728 in total loans and leases, we support members' financial goals across various sectors. Our operational efficiency is reflected in our $13,526,864, allowing us to continue offering competitive loan rates and solid financial products for our members. We also take pride in having 595 full-time employees and 13 part-time employees, ensuring our branches are always ready to serve you with a knowledgeable, committed team. Total Share and Deposit Accounts: 662,042, showing a strong and growing member base that trusts us with their finances. Net Shares (Funds available for lending and investments): $1,104,453. Our financial strength means we can continue serving you with confidence. Whether you're saving, borrowing, or planning for the future, Affinity Plus is your trusted partner. Visit us at 3482 55Th St Nw Rochester Mn 55901 or call (507) 285-0352 to learn more about how we can help you achieve your financial goals. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results.

Loan Offering

Auto Loans

Looking to buy a new car? Our auto loans offer some of the lowest rates in the industry, with over $760,512,766 in used vehicle loans and $197,848,114 in new vehicle loans already helping members get on the road. Whether you're considering financing a brand-new model or a reliable used car, our team is here to guide you through the process and answer any questions you may have.

Business Loans

For business owners, our outstanding commercial loans totaling $66,167,419 provide the capital needed to grow and expand your operations. We understand that running a business comes with challenges and opportunities alike. Our dedicated team can assist in finding the right financing solution for your business needs. At Affinity Plus in Rochester (3482 55Th St Nw Rochester MN 55901), we are committed to providing personalized service and competitive rates for all our loan offerings. If you're interested in exploring refinancing options or checking eligibility for any of our loan products, don't hesitate to reach out at 507-285-0352. Performance insights and financial data are sourced from the National Credit Union Administration (NCUA) at: https://www.ncua.gov, based on the latest results. For more information about becoming a member or our full range of services including personal banking and online banking please visit our website at Affinity Plus. We're here to help you navigate your financial journey with confidence!

Mortgage Loans

Thinking about homeownership? Our mortgage options, including Junior Lien 1-4 Family Residential Properties loans totaling $524,421,462, make buying or refinancing simple. We aim to provide support throughout the entire home-buying journey, ensuring you have the information needed to make informed decisions.

Unsecured Credit Card Loans

We also offer flexible terms on unsecured credit card loans, with a total of $248,986,247 in loans helping members manage their finances effectively. These cards can provide an easy way to handle unexpected expenses while giving you the freedom to make purchases when you need them most.

Loan Aggregator

Finding the best loan rates can be overwhelming. LendMesh simplifies this process by providing real-time, unbiased comparisons of mortgage, auto, and personal loan rates from verified financial institutions. With a commitment to transparency and reliability, LendMesh stands out as a trusted tool for consumers looking to make informed financial decisions. LendMesh ensures accurate loan comparisons by sourcing data directly from banks and credit unions that comply with National Credit Union Administration (NCUA) lending standards, based on the latest results (Source: https://www.ncua.gov). This approach guarantees that users receive fair and transparent offers, making the comparison process straightforward and trustworthy. One of the key benefits of using LendMesh is its Verified Data. Loan offers are sourced from legitimate financial institutions, ensuring transparency in every comparison. Additionally, LendMesh prides itself on having No Sponsored Listings. Unlike other platforms that may prioritize lenders based on paid promotions, LendMesh aims to provide unbiased results that truly reflect the best options available. Moreover, users benefit from Real-Time Rate Comparisons, which feature up-to-date loan rates from multiple institutions. This ensures that users can make well-informed decisions based on current market conditions. Thousands of users trust LendMesh for loan comparisons; one satisfied member shared: "LendMesh helped me find a lower mortgage rate in minutes, saving me thousands over the loan term!" If you're ready to explore your loan options without confusion or bias, compare real-time loan offers today at LendMesh and find the best rates for your needs. *Disclaimer: Loan approvals and interest rates are subject to creditworthiness, income verification, and applicable federal and state regulations. Rates may vary based on financial institution guidelines.*

Join Our Community

Unlock the power of community with LendMesh! Subscribe for personalized alerts—just tell us your target rate (like 5% or 4%), and we'll notify you the moment offers drop below your threshold. Get weekly or monthly updates with expert insights, rate trends, and hand-picked loan deals—delivered straight to your inbox. Join thousands of smart borrowers who rely on LendMesh to stay ahead of the curve and never miss a great opportunity.